Comments for Wage Garnishment For Credit Card Debts

Yes, wage garnishment is legal in Ohio. (There are a few states that do not allow it, but Ohio is not one of them.) However, before your wages can be garnished, your creditors must sue you and win their lawsuits. If they do, one of the ways that they are entitled to collect the money that the court awards them is by garnishing wages.

If you have already been sued over the debts you owe, you should consult with a consumer law attorney in your area who helps consumers resolve their debt collection problems for how best to respond. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

If you've not yet been sued, it's a good idea to be proactive and take steps to resolve the debts that you owe so you can avoid a lawsuit. For example, have you contacted your creditors to see if they would be willing to modify your debts -- let you make smaller, more affordable payments in order to pay off your past due balances? If not, you may want to schedule a meeting with a nonprofit credit counseling agency in your area.

Or, have you explored the possibility of settling your debts, which involves paying them off for less than what you owe on them? To make settlement work however, you may have to pay the settlement amounts in lump sums. If you would like to learn more about settlement, I recommend that you listen to this debt settlement podcast. And, if you want to find out if you are a good candidate for debt settlement, you can speak with a debt specialist hereConsumer Recovery Networkhere.

Another option to consider is filing for bankruptcy. Depending on the type of bankruptcy you are eligible to file, you can wipe out much of your debt. Plus, filing for bankruptcy will stop any lawsuits against you. Click here fora free consultation with a bankruptcy attorney.

The most important thing you can do when you are having serious financial problems and are worried about what your creditors are going to do next is to take action by exploring your options and choosing the one/s that are best for you.